DTRIC Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Public regulatory filings and news from the Hawaiʻi Insurance Division confirm that DTRIC Insurance announced on October 1, 2025 its decision to exit the Hawaiʻi insurance market. Existing DTRIC personal lines policies (including homeowners) are being non‑renewed on a staggered schedule aligned with each policy’s anniversary date, and DTRIC is no longer a growth market for new submissions. Operationally for agents/brokers: - New business: DTRIC is no longer issuing new policies in Hawaiʻi across personal lines, including homeowners. Do not submit new home risks expecting a quote or bind. - Renewals: All existing DTRIC policies will be non‑renewed according to state‑approved timelines. For personal auto and personal umbrella, non‑renewals begin with anniversary dates on or after January 2, 2026. For homeowners policies, non‑renewals are scheduled to start November 2026, allowing additional time for insureds and producers to move coverage. - Preferred / target business: There is effectively no preferred appetite for homeowners at this stage, as the carrier is in run‑off. The regulatory FAQ emphasizes maintaining existing coverage until the non‑renewal date, not growing or reshaping the book. - Restricted / declined classes: All new homeowners risks should be treated as declined. Existing policies remain in force only until their scheduled non‑renewal; no expectation is set that materially higher‑risk classes will be retained beyond that date. - Geographic notes: DTRIC historically focused on Hawaiʻi risks; the exit applies statewide. Policyholders unable to secure private replacement coverage are directed toward the Hawaiʻi Property Insurance Association for residential property and the Hawaiʻi Joint Underwriting Plan for auto. - Submission and servicing expectations: Agents are instructed (via the state FAQ) to work closely with insureds well before their DTRIC policy anniversary date to secure replacement coverage. There is no published forward‑looking underwriting manual or appetite guide for DTRIC homeowners at this stage; servicing is limited to honoring existing contractual obligations until non‑renewal. - Producer notes: Producers should prioritize remarketing affected risks, explaining non‑renewal timelines and options, and should not rely on DTRIC for future home placements. Any remaining agent functionality appears limited to servicing existing in‑force policies during the run‑off period. Because DTRIC is exiting the market, there is no current, forward‑looking homeowners underwriting or appetite guide available on the public site or agent portal; guidance for operational use is therefore centered on exit timing, non‑renewal handling, and helping policyholders transition to new carriers.